BlastPoint's Banking Scorecard
The Sherwood State Bank
Sherwood, OH
4 branches across OH
The Sherwood State Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.58% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 36.2% in tier
- - Delinquency Rate 1.77% above tier average
- - Nonperforming Asset Ratio 1.34% above tier average
- - ROA 0.57% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$106.0M
+3.3% YoY
+1.0% QoQ
|
-$280.1M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
Bottom 2.0% in tier |
| Total Loans ? |
$78.9M
+6.0% YoY
+1.3% QoQ
|
-$176.8M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
Bottom 10.8% in tier |
| Total Deposits ? |
$88.0M
+4.4% YoY
+1.5% QoQ
|
-$240.0M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
Bottom 2.0% in tier |
| Return on Assets ? |
0.70%
+43.9% YoY
+2.7% QoQ
|
-0.57% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
21% |
| Net Interest Margin ? |
4.51%
+10.8% YoY
+1.4% QoQ
|
+0.58% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
82% |
| Efficiency Ratio ? |
80.18%
-7.7% YoY
-1.6% QoQ
|
+14.90% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
15% |
| Delinquency Rate ? |
2.65%
-3.7% YoY
+10.7% QoQ
|
+1.77% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 7.3% in tier |
| Loan-to-Deposit Ratio ? |
89.70%
+1.6% YoY
-0.2% QoQ
|
+13.06% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
25.63%
+0.9% YoY
-2.0% QoQ
|
+3.61% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
68% |
| Nonperforming Asset Ratio ? |
1.98%
-1.1% YoY
+11.0% QoQ
|
+1.34% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 7.0% in tier |
| Tier 1 Capital Ratio ? |
12.27%
+2.0% YoY
+0.0% QoQ
|
-3.56% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.12%
+14.3% YoY
-73.1% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
64% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.